Mastercard 4853 — Cardholder Dispute

What it means

A broad consumer dispute code covering goods/services not received, not as described, defective, cancelled recurring billing, or a credit not processed.

Common causes

• Order never delivered or arrived late
• Item didn't match the description or was defective
• Subscription the customer says they cancelled
• Refund the customer says they never received

Evidence that helps you win

• Tracking/delivery confirmation
• Product description, photos, and terms agreed at checkout
• Communication records and your return/refund policy
• Proof a credit was issued, if applicable